Introduction: The health insurance situation in the state of New Hampshire is not so displeasing, in comparison to health insurance situation in most of the American states. In accordance to a survey conducted by The Center for Disease Control, more or less 10% of the total New Hampshire residents were uninsured for New Hampshire medical insurance for each year, between 2001 and 2003.
Here, we have provided a useful abstract to let the New Hampshire dwellers know the current health insurance situation of their state. Some important New Hampshire medical insurance regulations and brief discussions on New Hampshire state medical insurance alternative programs are included in the abstract.
Important Regulations for New Hampshire Medical Insurance
To regulate the overall health insurance situation of New Hampshire and to monitor the activities of different New Hampshire medical insurance companies, the state government of New Hampshire has introduced some rules and regulations. The regulations are as follows:
- New Hampshire individuals having employer New Hampshire medical insurance policies can not be rejected or limited access to that particular health insurance policy.
- New Hampshire individuals, seeking individual New Hampshire medical insurance can be refused for coverage or can have limited access only, even if the insurance plan gets approved. They can be refused or limited access to New Hampshire medical insurance policy, on the basis of their age and health conditions.
- All New Hampshire medical insurance plans should have a guaranteed provision for renewal.
- Guaranteed renewability provision lets an individual renew his or her existing medical insurance policy.
- The renewability provision is guaranteed, only if the individual has disbursed all the premiums, in time and provided no fake information, during the term of the respective New Hampshire medical insurance policy.
- New Hampshire medical insurance companies can inflict elimination riders and pre-existing medical condition waiting periods.
- As per New Hampshire state health insurance laws, a pre-existing medical condition may be defined as an illness for which an individual had been treated, received medical advice or otherwise diagnosed, before commencement of New Hampshire medical insurance policy.
- New Hampshire medical insurance companies can impose a waiting period for a pre-existing medical condition for no more than 9 months. During this period, an individual is not able to get coverage for his or her pre-existing illness.
- Continual coverage can be credited from previous New Hampshire medical insurance plan to New Hampshire medical insurance plan for pre-existing medical condition waiting period; provided there should be no breakage in coverage for more than 63 days, during the tenure of previous New Hampshire medical insurance plan.
- As per New Hampshire state health insurance laws, an elimination rider can eliminate particular medical conditions, body systems or body parts from coverage, even permanently for entire term of the health insurance plan.
- Pregnancy is considered as pre-existing medical condition, as per New Hampshire state health insurance laws.
- Individual New Hampshire medical insurance policies should cover all newborns and adopted children under parent's medical insurance policy, for the first 31 days from the day of birth or adoption. However, the policy should be modified, accordingly to accommodate them.
- Handicapped or disabled dependants should always get coverage under parent's individual New Hampshire medical insurance policy, even if they cross the upper age limit for dependant coverage.
- New Hampshire medical insurance costs get controlled by New Hampshire health insurance laws.
- However, New Hampshire medical insurance costs may differ, on the basis of health condition, age and tobacco use of the applicant.
- New Hampshire individuals, who are between employers or medical insurance policies, can opt for temporary New Hampshire health insurance plans, offered by different medical insurance companies.
New Hampshire Medical Insurance Alternative Options
New Hampshire state insurance department offers some medical insurance alternative programs. New Hampshire residents, who are considered as “uninsurable” or unable to afford the cost of New Hampshire medical insurance, can, take advantage of such state-aided medical insurance alternative programs. The programs are discussed below:
- New Hampshire Medicaid: This program is available to the New Hampshire individuals, who meet all the qualifying criteria including income and health-related features.
- New Hampshire Health Plan: This is the high-risk medical insurance pool for the state of New Hampshire. The program lets the New Hampshire individuals considered as “uninsurable”, purchase group New Hampshire medical insurance plan. Pre-existing conditions may be applied.
- Health Kids: This is New Hampshire's Children's Health Insurance Program or NHCHIP, which is especially designed to offer the benefits of New Hampshire medical insurance to the children, below and up to the age of 19. Children from families that are ineligible for New Hampshire Medicaid or otherwise can't able to afford medial insurance costs, are only able to opt for this plan.
New Hampshire Insurance Department
For more information on New Hampshire medical insurance, you can contact at the office of New Hampshire insurance department, at the following address:
21 South Fruit St., Suite 14
Concord, NH 03301
For telephonic assistance, you can call at any of the following numbers:
Main Office Fax: 603-271-1406
Consumer Fax: 603-271-0248
For General Information: 603-271-2261
For Consumer Assistance: 800-852-3416